{"uin":"BAJHLIP23209V022223","name":"Global Health Care","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Individual","kind":"product","status":"active","approved_on":"2022-05-06","withdrawn_on":null,"summary":"Global Health Care is a one-year individual health indemnity policy from Bajaj General with two plans, Imperial and Imperial Plus, each pairing hospital cover in India in rupees (INR 3,750,000 to 37,500,000) with cover worldwide outside India in US dollars (USD 100,000 to 1,000,000), with or without the USA. In India room rent and ICU are paid at actual with 60 days pre- and 180 days post-hospitalisation, while abroad a single private room applies and only Imperial Plus adds out-patient, evacuation and repatriation benefits.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:38.958682+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Imperial Plan","Imperial Plus Plan"],"display":"Imperial Plan, Imperial Plus Plan","note":"Each plan has a Domestic cover (India, in INR) and an International cover (worldwide outside India, in USD, including or excluding USA). Imperial Plus adds out-patient, evacuation, repatriation, palliative care and other international benefits.","quote":"for Imperial and Imperial Plus Plans","sources":[{"clause":"Section C","heading":"BENEFITS COVERED UNDER THE POLICY","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-section-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"One year.","display":"1 year","note":null,"quote":"Type of Policy: Individual Tenure of Policy: 1 year","sources":[{"clause":"Section C","heading":"BENEFITS COVERED UNDER THE POLICY","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-section-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"In India: planned admission at least 48 hours before; emergency admission within 24 hours for cashless or within 48 hours for reimbursement. Abroad: call the helpline within 48 hours of an emergency, and seek pre-approval at least 72 hours before planned treatment.","display":"Planned: 48 hours before; emergency: within 24 hours (cashless) or 48 hours (reimbursement)","note":"Abroad, without pre-approval a medically necessary claim is paid up to 80% of the coverage; the Treatment Guarantee Form should reach the insurer five working days before planned inpatient treatment. Documents within 30 days of discharge.","quote":"In case of Planned hospitalization, You/the Insured Person/ Insured's representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured's representative shall intimate such admission within 24 hours of such hospitalization. ... You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of Hospitalization in case of Emergency Hospitalization and 48 hours prior to Hospitalization in case of planned Hospitalization. ... needs to call Our Helpline (within 48 hours of the Emergency) to inform Us of the Hospitalisation ... Certain benefits under this policy for International Cover would require You to seek pre-approval at least 72 hours prior to admission or availing the benefit in case of planned treatments.","sources":[{"clause":"1(ii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-ii"},{"clause":"1(iii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-iii"},{"clause":"1(xi)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-xi"},{"clause":"5","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-11"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form with NEFT details & cancelled cheque duly signed by Insured","Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes","Attested copies of Indoor case papers, if available","Original/Attested copies Final Hospital Bill with break-up of surgical charges, surgeon's fees, OT charges etc.","Original Paid Receipt against the final Hospital Bill","Original bills towards Investigations done / Laboratory Bills","Original/Attested copies of Investigation Reports against Investigations done","Original bills and receipts paid for the transportation from Registered Ambulance Service Provider","Treating Medical Practitioner certificate to transfer the Injured person to a higher medical centre for further treatment (if Applicable)","Cashless settlement letter or other Company settlement letter","First consultation letter for the current ailment","In case of implant surgery, invoice & sticker"],"display":"Claim form with NEFT details & cancelled cheque duly signed by Insured; Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes; Attested copies of Indoor case papers, if available; Original/Attested copies Final Hospital Bill with break-up of surgical charges, surgeon's fees, OT charges etc.; Original Paid Receipt against the final Hospital Bill; Original bills towards Investigations done / Laboratory Bills; Original/Attested copies of Investigation Reports against Investigations done; Original bills and receipts paid for the transportation from Registered Ambulance Service Provider; Treating Medical Practitioner certificate to transfer the Injured person to a higher medical centre for further treatment (if Applicable); Cashless settlement letter or other Company settlement letter; First consultation letter for the current ailment; In case of implant surgery, invoice & sticker","note":"List for the Domestic cover. On death, a copy of the post mortem report (if any). Abroad, claims are made online with the provider's invoice (name, treatment dates, diagnosis, date of onset of symptoms, nature of treatment, fees); originals may be requested up to 12 months after settlement.","quote":"Claim form with NEFT details & cancelled cheque duly signed by Insured ... Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes ... Attested copies of Indoor case papers, if available ... Original/Attested copies Final Hospital Bill with break-up of surgical charges, surgeon's fees, OT charges etc. ... Original Paid Receipt against the final Hospital Bill ... Original bills towards Investigations done / Laboratory Bills ... Original/Attested copies of Investigation Reports against Investigations done ... Original bills and receipts paid for the transportation from Registered Ambulance Service Provider ... Treating Medical Practitioner certificate to transfer the Injured person to a higher medical centre for further treatment (if Applicable) ... Cashless settlement letter or other Company settlement letter ... First consultation letter for the current ailment ... In case of implant surgery, invoice & sticker ... send Us a copy of the post mortem report (if any) within 30 days ... Get an invoice from Your medical provider. (This should state Your name, treatment date(s), the diagnosis/medical condition that You received treatment for, the date of onset of symptoms, the nature of the treatment and the fees charged.) ... Claim back Your eligible costs via Our MyHealth app or online portal ... We have the right to request original supporting documents/receipts for auditing purposes up to 12 months after settling Your claim.","sources":[{"clause":"1(xvii)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-xvii"},{"clause":"1(xvi)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-xvi"},{"clause":"4","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-4-11"},{"clause":"5","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-11"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The claim is settled or rejected within 15 days of receiving the last necessary document; where an investigation is needed it is completed within 30 days of the last document.","display":"Within 15 days of the last necessary document","note":"Interest at 2% above the bank rate for delay. Domestic cashless: pre-authorisation answered within 1 hour, discharge authorisation within 3 hours.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 15 days, the Company shall be liable to pay interest to the Policyholder at a rate 2% above the bank rate ... our representative then within 1 hour will respond with Approval, Rejection or more information ... the same will be processed within 3 hours from the final documents received","sources":[{"clause":"3(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-i"},{"clause":"3(iii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-iii"},{"clause":"3(iv)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-iv"},{"clause":"1(v)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-v"},{"clause":"1(vi)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 36 months of continuous coverage","Listed conditions and surgeries until 24 months of continuous coverage","Any illness in the first 30 days, except accidents","Admission primarily for diagnostics and evaluation","Rest cure, rehabilitation and respite care","Surgical treatment of obesity unless the stated conditions are met","Change-of-gender treatments","Cosmetic or plastic surgery","Hazardous or adventure sports as a professional","Alcoholism, drug or substance abuse","Sterility and infertility","Maternity: childbirth, miscarriage and termination of pregnancy","Dental treatment unless from accidental injury requiring hospitalisation","Spectacles, contact lenses, hearing aids and other external appliances","Out-patient treatment in India"],"display":"Pre-existing diseases until 36 months of continuous coverage; Listed conditions and surgeries until 24 months of continuous coverage; Any illness in the first 30 days, except accidents; Admission primarily for diagnostics and evaluation; Rest cure, rehabilitation and respite care; Surgical treatment of obesity unless the stated conditions are met; Change-of-gender treatments; Cosmetic or plastic surgery; Hazardous or adventure sports as a professional; Alcoholism, drug or substance abuse; Sterility and infertility; Maternity: childbirth, miscarriage and termination of pregnancy; Dental treatment unless from accidental injury requiring hospitalisation; Spectacles, contact lenses, hearing aids and other external appliances; Out-patient treatment in India","note":"Domestic list shown; the International cover has the same standard exclusions plus treatment in the USA when cover was bought to get treatment there, treatment outside the area of cover except emergencies, routine maternity and newborn care. Acts of terrorism are covered.","quote":"shall be excluded until the expiry of 36 months of continuous coverage ... shall be excluded until the expiry of 24 months of continuous coverage ... Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Rest Cure, rehabilitation and respite care (Code -Excl05) ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions ... Change-of-gender treatments (Code- Excl07) ... Expenses for cosmetic or plastic surgery ... participation as a professional in hazardous or adventure sports ... Treatment for Alcoholism, drug or substance abuse ... Expenses related to sterility and infertility. ... Medical Treatment Expenses traceable to childbirth ... Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy ... Any Dental Treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring Hospitalization ... The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and all other external appliances ... Out-patient treatment ... Treatment in the USA if We believe that cover was taken out with the purpose of travelling to the USA to get treatment ... Treatment outside the geographical area of cover unless for emergencies or authorised by Us. ... Routine maternity, Routine Delivery and newborn care ... Any Medical expenses incurred due to Act of Terrorism will be covered under the Policy.","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code -Excl01)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-5"},{"clause":"2(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-a"},{"clause":"2(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-a-2"},{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-4-5"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code -Excl05)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-5"},{"clause":"6","heading":"Obesity/Weight Control (Code- Excl06)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-6-5"},{"clause":"7","heading":"Change-of-gender treatments (Code- Excl07)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-5"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-8-5"},{"clause":"9","heading":"Hazardous or Adventure sports","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-5"},{"clause":"12","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-5"},{"clause":"17","heading":"Sterility and Infertility (Code -Excl17)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-4"},{"clause":"18","heading":"Maternity (Code -Excl18)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-18-3"},{"clause":"1","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-6"},{"clause":"4","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-4-6"},{"clause":"28","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-28-3"},{"clause":"25","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-25-4"},{"clause":"26","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-26-4"},{"clause":"30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-30-3"},{"clause":"3","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First the Customer Experience Team (website, toll free 1800 209 5858, careforyou@bajajgeneral.com), then the Grievance Redressal Officer at ggro@bajajgeneral.com.","display":"Customer Experience Team (1800 209 5858, careforyou@bajajgeneral.com), then Grievance Redressal Officer (ggro@bajajgeneral.com)","note":"Level 3: missed call +91 80809 45060 or SMS 575758, then head.customerservice@bajajgeneral.com. Senior citizens: 1800-103-2529, seniorcitizen@bajajgeneral.com. International cover complaints: helpline +353 1 630 1301, client.services@allianzworldwidecare.com.","quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options: ... Call us on our Toll free no 1800 209 5858 ... Mail us on careforyou@bajajgeneral.com ... Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... Give a missed on +91 80809 45060 OR SMS to 575758 ... head.customerservice@bajajgeneral.com ... Senior citizens can now contact us on 1800-103-2529 or write to us at seniorcitizen@bajajgeneral.com ... Our Helpline is always the first number to call if You have any comments or complaints ... +353 1 630 1301 ... client.services@allianzworldwidecare.com","sources":[{"clause":"19","heading":"Grievance Redressal Procedure","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-19-5"},{"clause":"13","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-13-11"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Imperial Plan: INR 3,750,000 / 5,600,000 / 7,500,000 in India with USD 100,000 / 150,000 / 200,000 abroad. Imperial Plus Plan: INR 11,200,000 / 18,750,000 / 37,500,000 in India with USD 300,000 / 500,000 / 1,000,000 abroad.","display":"Imperial: INR 3,750,000 to 7,500,000 plus USD 100,000 to 200,000; Imperial Plus: INR 11,200,000 to 37,500,000 plus USD 300,000 to 1,000,000","note":"The wording's benefit tables are garbled; the plan-by-plan split is clearest in the sales brochure. Each Domestic limit is paired with an International limit.","quote":"3,750,000 | 5,600,000 | 7,500,000 | 11,200,000 | 18,750,000\n37,500,000 ... In patient | USD 100,000 | USD 150,000 | USD 200,000 | USD 300,000 | USD 500,000 | USD 1,000,000 ... Domestic Limit INR 3,750,000 INR 5,600,000 INR 7,500,000 (Within India) | INR 11,200,000 INR 18,750,000 INR 37,500,000 ... International Limit USD 100,000 USD 150,000 USD 200,000 | USD 300,000 USD 500,000 USD 1,000,000","sources":[{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-a-3"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-s1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply with continuous coverage of more than twelve months. International out-patient, alternate treatment and dental claims have a 30-day wait in the first year; physiotherapy 90 days.","quote":"Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident ... This exclusion shall not, however apply if the Insured has Continuous Coverage for more than twelve months. ... 30 days waiting period would be applicable for all claims under out-patient except those arising out of Accidental Injury ... 90 days waiting period would be applicable for all claims under Physiotherapy Benefit ... 30 days waiting period would be applicable for all claims under Alternate / Complementary Treatment Expenses ... 30 days waiting period would be applicable for all claims except those arising out of Accidental Injury","sources":[{"clause":"2(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-a-2"},{"clause":"2(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-b-2"},{"clause":"17(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-e"},{"clause":"17(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-d-2"},{"clause":"17(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-e-2"},{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-a-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"Same for Domestic and International cover. Reduced by prior continuous coverage under portability; applies afresh to any sum insured increase.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Global Health Care Policy with Us. ... In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase. ... waiting period for the same would be reduced to the extent of prior coverage","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code -Excl01)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-5"},{"clause":"1","heading":"Pre-Existing Diseases (Code-Excl01)","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Not applicable to accidents. Where a listed condition is also pre-existing, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Global Health Care Policy with Us. This exclusion shall not be applicable for claims arising due to an Accident. ... then the longer of the two waiting periods shall apply","sources":[{"clause":"2(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-a"},{"clause":"2(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-a-3"},{"clause":"2(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Any type gastrointestinal ulcers","Cataracts","Any type of fistula","Macular Degeneration","Benign prostatic hypertrophy","Fissure in ano","Hernia of all types","Haemorrhoids, piles","Hydrocele","Dysfunctional uterine bleeding","All types of sinuses","Endometriosis","Fibromyoma","Uterine Prolapse","Hysterectomy","Surgery on ears/tonsils/ adenoids/ paranasal sinuses","Stones in the urinary and biliary systems","Diseases of gall bladder including cholecystitis","Surgery on all internal or external tumours, cysts, nodules, polyps of any kind including breast lumps with exception of Malignant tumor or growth","All forms of Cirrhosis","Pancreatitis","Gout and rheumatism","Tonsilitis","Chronic Kidney Disease","Surgery for varicose veins and varicose ulcers","Joint replacement surgery","Alzheimer's Disease","Surgery to correct deviated nasal septum","Surgery for vertebral column disorders (unless necessitated due to an Accident)","Congenital internal diseases or anomalies","Hypertrophied turbinate","Bariatric Surgery","Treatment for correction of eye sight due to refractive error greater or equal to 7.5 recommended by Ophthalmologist","Genetic disorders","Parkinson's Disease"],"display":"Any type gastrointestinal ulcers; Cataracts; Any type of fistula; Macular Degeneration; Benign prostatic hypertrophy; Fissure in ano; Hernia of all types; Haemorrhoids, piles; Hydrocele; Dysfunctional uterine bleeding; All types of sinuses; Endometriosis; Fibromyoma; Uterine Prolapse; Hysterectomy; Surgery on ears/tonsils/ adenoids/ paranasal sinuses; Stones in the urinary and biliary systems; Diseases of gall bladder including cholecystitis; Surgery on all internal or external tumours, cysts, nodules, polyps of any kind including breast lumps with exception of Malignant tumor or growth; All forms of Cirrhosis; Pancreatitis; Gout and rheumatism; Tonsilitis; Chronic Kidney Disease; Surgery for varicose veins and varicose ulcers; Joint replacement surgery; Alzheimer's Disease; Surgery to correct deviated nasal septum; Surgery for vertebral column disorders (unless necessitated due to an Accident); Congenital internal diseases or anomalies; Hypertrophied turbinate; Bariatric Surgery; Treatment for correction of eye sight due to refractive error greater or equal to 7.5 recommended by Ophthalmologist; Genetic disorders; Parkinson's Disease","note":"Same list for the International cover (clause 2(f) of Part B exclusions).","quote":"1. Any type gastrointestinal ulcers | 2. Cataracts ... 3. Any type of fistula | 4. Macular Degeneration ... 5. Benign prostatic hypertrophy | 6. Fissure in ano ... 7. Hernia of all types | 8. Haemorrhoids, piles ... 9. Hydrocele | 10. Dysfunctional uterine bleeding ... 11. All types of sinuses | 12. Endometriosis ... 13. Fibromyoma | 14. Uterine Prolapse ... 15. Hysterectomy | 16. Surgery on ears/tonsils/ adenoids/ paranasal sinuses ... 17. Stones in the urinary and biliary systems | 18. Diseases of gall bladder including cholecystitis ... 19. Surgery on all internal or external tumours /cysts /nodules /polyps of any kind including breast lumps with exception of Malignant tumor or growth | 20. All forms of Cirrhosis ... 21. Pancreatitis | 22. Gout and rheumatism ... 23. Tonsilitis | 24. Chronic Kidney Disease ... 25. Surgery for varicose veins and varicose ulcers | 26. Joint replacement surgery ... 27. Alzheimer’s Disease | 28. Surgery to correct deviated nasal septum ... 29. Surgery for vertebral column disorders (unless necessitated due to an Accident) | 30. Congenital internal diseases or anomalies ... 31. Hypertrophied turbinate | 32. Bariatric Surgery ... 33. Treatment for correction of eye sight due to refractive error recommended by Ophthalmologist for medical reasons with refractive error greater or equal to 7.5 | 34. Genetic disorders ... 35. Parkinson’s Disease","sources":[{"clause":"2(f)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, sixty months run from the date of enhancement on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. ... After the expiry of Moratorium Period no claim under this policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. ... completion of sixty continuous months would be applicable from the date of enhancement of sums insured only on the enhanced limits","sources":[{"clause":"14","heading":"Moratorium Period","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. Apply to the new insurer at least 30 days but not earlier than 60 days before renewal; continuity benefits in waiting periods are given as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit given","note":"When porting in from a domestic-only health policy, continuity benefits count only for the Domestic cover. Migration to other Bajaj General products is also allowed.","quote":"The Insured will have the option to port the Policy to other insurers by applying to such insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy renewal date ... the proposed Insured will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability ... Migration and or Portability will be allowed only if the Insured is having the existing health policy which covers both the Domestic and International health cover. ... The Insured will have the option to migrate the Policy to other health insurance products/plans offered by the Company","sources":[{"clause":"11","heading":"Portability","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-11-9"},{"clause":"27","heading":"Additional conditions as to Migration and or Portability","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-27-5"},{"clause":"10","heading":"Migration","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes","note":"The words 'lifetime renewal' are from the sales brochure; the wording sets no maximum renewal age.","quote":"Your Policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by You, provided this policy is not withdrawn ... Under normal circumstances, lifetime renewal benefit is available under the policy, except on the","sources":[{"clause":"12(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-i"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. Renewal loadings are at portfolio level, not based on an individual policy's claims; a discount may be given for good claims experience.","display":"No, loadings are portfolio-wide, not based on your claims","note":null,"quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience.","sources":[{"clause":"12(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/Weight Control (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse (Excl12)","Health hydros, nature cure clinics, spas (Excl13)","Dietary supplements bought without prescription (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl18)","War, invasion, civil war and similar events","Spectacles, contact lenses, hearing aids and other external appliances","Cosmetic dental treatment, dentures, implants, orthodontics unless from accidental injury","Congenital external diseases, growth hormone therapy, stem cell implantation","Intentional self-injury and suicide attempt","Non-medical items as per Annexure II","Chemical contamination, radioactivity or nuclear material","Treatment required as a result of medical error","Loss of hair and hair replacement","Sleep disorders except obstructive sleep apnoea in-patient treatment"],"display":"Investigation & Evaluation (Excl04); Rest Cure, rehabilitation and respite care (Excl05); Obesity/Weight Control (Excl06); Change-of-gender treatments (Excl07); Cosmetic or plastic Surgery (Excl08); Hazardous or Adventure sports (Excl09); Breach of law (Excl10); Excluded Providers (Excl11); Alcoholism, drug or substance abuse (Excl12); Health hydros, nature cure clinics, spas (Excl13); Dietary supplements bought without prescription (Excl14); Refractive Error (Excl15); Unproven Treatments (Excl16); Sterility and Infertility (Excl17); Maternity (Excl18); War, invasion, civil war and similar events; Spectacles, contact lenses, hearing aids and other external appliances; Cosmetic dental treatment, dentures, implants, orthodontics unless from accidental injury; Congenital external diseases, growth hormone therapy, stem cell implantation; Intentional self-injury and suicide attempt; Non-medical items as per Annexure II; Chemical contamination, radioactivity or nuclear material; Treatment required as a result of medical error; Loss of hair and hair replacement; Sleep disorders except obstructive sleep apnoea in-patient treatment","note":"Domestic cover list. Refractive error is excluded below 7.5 dioptres; stem cells for bone marrow transplant are an exception. The International cover adds: treatment in the USA when cover was bought to get treatment there, and treatment outside the area of cover except emergencies. Acts of terrorism are covered.","quote":"Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code -Excl05) ... Obesity/Weight Control (Code- Excl06) ... Change-of-gender treatments (Code- Excl07) ... Cosmetic or plastic Surgery (Code- Excl08) ... Hazardous or Adventure sports: (Code -Excl09) ... Breach of law (Code -Excl10) ... Excluded Providers (Code -Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Excl12 ... Treatments received in heath hydros, nature cure clinics, spas ... (Code -Excl13) ... Dietary supplements and substances that can be purchased without prescription ... (Code - Excl14) ... Refractive Error (Code -Excl15) ... Unproven Treatments (Code -Excl16) ... Sterility and Infertility (Code -Excl17) ... Maternity (Code -Excl18) ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war ... The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and all other external appliances ... Any Dental Treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth ... Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery ... Intentional self-Injury ... including a suicide attempt ... All non-medical Items as per Annexure II. ... Treatment for any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material ... Treatment required as a result of medical error. ... Investigations into and treatment for loss of hair, including hair replacement ... Treatment of sleep disorders, including insomnia, narcolepsy, snoring and bruxism, except medically necessary Inpatient treatment for obstructive sleep apnoea. ... refractive error less than 7.5 dioptres ... except for Hematopoietic stem cells for bone marrow transplant for haematological conditions ... Treatment in the USA if We believe that cover was taken out with the purpose of travelling to the USA to get treatment ... Treatment outside the geographical area of cover unless for emergencies or authorised by Us. ... Any Medical expenses incurred due to Act of Terrorism will be covered under the Policy.","sources":[{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-4-5"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code -Excl05)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-5"},{"clause":"6","heading":"Obesity/Weight Control (Code- Excl06)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-6-5"},{"clause":"7","heading":"Change-of-gender treatments (Code- Excl07)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-5"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-8-5"},{"clause":"9","heading":"Hazardous or Adventure sports","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-5"},{"clause":"10","heading":"Breach of law (Code -Excl10)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-5"},{"clause":"11","heading":"Excluded Providers (Code -Excl11)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-11-5"},{"clause":"12","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-5"},{"clause":"Excl12","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-excl12"},{"clause":"13","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-13-5"},{"clause":"14","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-5"},{"clause":"15","heading":"Refractive Error (Code -Excl15)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-15-4"},{"clause":"16","heading":"Unproven Treatments (Code -Excl16)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-16-4"},{"clause":"17","heading":"Sterility and Infertility (Code -Excl17)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-4"},{"clause":"18","heading":"Maternity (Code -Excl18)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-18-3"},{"clause":"3","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-5"},{"clause":"4","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-4-6"},{"clause":"1","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-6"},{"clause":"7","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-6"},{"clause":"8","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-8-6"},{"clause":"19","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-19-3"},{"clause":"10","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-6"},{"clause":"12","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-6"},{"clause":"21","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-21-3"},{"clause":"20","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-20-3"},{"clause":"23","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-23-3"},{"clause":"25","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-25-4"},{"clause":"26","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-26-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"On 7 days' written notice, the premium for the unexpired period is refunded pro-rata, provided no claim has been made in the policy year; medical examination costs are deducted.","display":"Pro-rata refund for the unexpired period if no claim was made in the policy year","note":"Same rule for instalment premiums. No refund if the insurer cancels for misrepresentation, non-disclosure or fraud (15 days' notice).","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. ... Annual Policy: The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium. ... Cancellation of policy where Premium Received on Instalment Basis The premium refund for the unexpired risk period will be on a pro-rata basis ... by providing 15 days’ written notice. There will be no refund of premium for cancellations on these grounds.","sources":[{"clause":"7","heading":"Cancellation","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-9"},{"clause":"8","heading":null,"page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-8-9"},{"clause":"9","heading":null,"page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-9"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India (Domestic cover) and worldwide outside India (International cover), including or excluding the USA as shown in the schedule.","display":"India plus worldwide, with or without the USA","note":"Domestic and International sums insured are separate. Imperial Plus with 'Excluding USA' adds emergency treatment outside the area of cover for up to six weeks per trip. Only Indian nationals residing in India can buy it.","quote":"We cover medical expenses for treatment availed within India only. ... We cover medical expenses for treatment availed World-wide outside of India (including or excluding USA as specified in the Policy Schedule). ... Emergency treatment outside area of cover (Applicable to Imperial Plus Plan only if “Excluding USA” cover is opted) ... Cover is provided for up to six weeks per trip ... Indian nationals residing in India would be considered for this Policy.","sources":[{"clause":"22","heading":"Territorial Limits & Governing Law (for Domestic Cover only)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-22-5"},{"clause":"23","heading":"Territorial Limits & Governing Law (for International Cover only)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-23-5"},{"clause":"12","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-4"},{"clause":"10","heading":"Nationality","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-11"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only. Refund less medical examination and stamp duty costs, or proportionate risk premium if cover has started.","quote":"The Insured shall be allowed free look period of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable. ... The Free Look Period shall be applicable on new individual health insurance policies and not on renewals ... a refund of the premium paid less any expenses incurred by the Company on medical examination of the Insured and the stamp duty charges ... a deduction towards the proportionate risk premium for period of cover","sources":[{"clause":"17","heading":"Free Look Period","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":null,"quote":"We shall condone a delay in renewal up to the Grace Period (30 days) from the due date of renewal without considering such condonation as a Break in Policy. ... The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half- yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"12(iii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-iii"},{"clause":"15","heading":"Premium Payment in Instalments (Wherever applicable)","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-15-8"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"From 3 months to 65 years at the start of the first policy.","display":"3 months to 65 years","note":"Sales brochure: proposer, spouse, parents and other adults 18 to 65 years; dependent children 3 months to 30 years. A child is dependent up to 25, or up to 30 in full-time education. Indian nationals residing in India only.","quote":"an Insured or his Family Members has attained the age of 3 months and is not older than 65 years of age at the commencement of first Global Health Care Policy. ... Proposer /Spouse / Parents/Sister/ Brother/Parents-in-law/ Aunt/ Uncle 18 Yrs to 65 Yrs ... Dependent Children: 3 months ... 30 Yrs ... A child is considered a dependent for insurance purposes up to the day before his/her 25th birthday. If enrolled in full time education a child is considered as dependent up to the day before his/her 30th birthday ... Indian nationals residing in India would be considered for this Policy.","sources":[{"clause":"31","heading":"Named Insured/ Insured/Insured Person: Insured","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-31-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-s1"},{"clause":"12","heading":"Dependent child","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-2"},{"clause":"10","heading":"Nationality","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-11"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"The wording says instalments 'wherever applicable'; the brochure confirms annual payment with half-yearly, quarterly or monthly instalments.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly ... Annual premium payment. ... Premium can also be paid on instalment basis- Half yearly, Quarterly or Monthly","sources":[{"clause":"15","heading":"Premium Payment in Instalments (Wherever applicable)","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-15-8"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-s1"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Dental Plan Benefits (international, with 20% co-payment)","Voluntary aggregate deductible on International Inpatient Benefits (USD 500 or USD 1000, with premium discount)"],"display":"Dental Plan Benefits abroad (20% co-payment); voluntary deductible USD 500 or 1000 on international inpatient cover","note":"Dental plan: dental treatment, dental surgery and periodontics outside India, 30-day wait in the first year. Wording table shows dental limits USD 300, 450, 600 (Imperial) and USD 2300 (Imperial Plus); the brochure shows USD 350 for the lowest Imperial option.","quote":"III. DENTAL PLAN BENEFITS (Optional): ... with a mandatory Co-Payment of 20% on each and every claim ... Voluntary Deductible: The customer can opt for aggregate deductible on International Inpatient Benefits and avail discount as below, Deductible Imperial Plan Imperial Plus Plan USD 500 5% 4% USD 1000 9% 6% ... Maximum dental plan | USD 300 | USD 450 | USD 600 | USD 2300 ... Maximum dental plan benefit for interna tional treatments only (with 20% co-pay ment) | USD 350 | USD 450 | USD 600 | USD 2,300 ... 30 days waiting period would be applicable for all claims except those arising out of Accidental Injury","sources":[{"clause":"17(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-e-2"},{"clause":"28","heading":"Discounts","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-28-5"},{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-a-3"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Only when premium is paid in instalments: cover continues during the grace period. For a yearly renewal, cover need not be available during the grace period.","display":"Yes for instalment premiums; not assured for yearly renewal","note":"Sales brochure on renewal: 'Coverage is not available during the grace period.'","quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... Coverage need not be available during the period for which no premium is received. ... Coverage is not available during the grace period.","sources":[{"clause":"15","heading":"Premium Payment in Instalments (Wherever applicable)","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-15-8"},{"clause":"17","heading":"Grace Period: Grace period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"In India: room rent paid as charged, without any sub-limit. Abroad: up to a Single Private Air-Conditioned Room.","display":"No limit in India; single private AC room abroad","note":"Single Private Room means a single occupancy air-conditioned room with attached washroom; deluxe, executive rooms and suites are not covered.","quote":"Room rent and Boarding expenses as provided by the Hospital/Nursing Home without any sub limit. ... Room rent and Boarding expenses up to a Single Private Air-Conditioned Room.","sources":[{"clause":"1","heading":"In-patient Hospitalization Treatment","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-3"},{"clause":"1","heading":"In-patient Hospitalization Treatment","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-4"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Any room in India (no sub-limit); a single private air-conditioned room abroad.","display":"Any room in India; single private AC room abroad","note":null,"quote":"Room rent and Boarding expenses as provided by the Hospital/Nursing Home without any sub limit. ... Room rent and Boarding expenses up to a Single Private Air-Conditioned Room. ... Deluxe, executive rooms and suites are not covered.","sources":[{"clause":"1","heading":"In-patient Hospitalization Treatment","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-3"},{"clause":"1","heading":"In-patient Hospitalization Treatment","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-4"},{"clause":"48","heading":"Single Private room: Single Private Room","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-48"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"Actual ICU expenses charged by the hospital, in India and abroad.","display":"At actual, no cap","note":null,"quote":"If admitted in ICU, the Company will pay up to actual ICU expenses provided by Hospital.","sources":[{"clause":"1","heading":"In-patient Hospitalization Treatment","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-3"},{"clause":"1","heading":"In-patient Hospitalization Treatment","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-4"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":"The documents do not say whether other charges are cut when a costlier room is taken. In India there is no room rent sub-limit; abroad the limit is a single private air-conditioned room.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"No co-payment on hospital claims; 20% co-payment on every claim under the optional Dental Plan. Abroad, a medically necessary claim made without pre-approval is paid up to 80% of the coverage.","display":"None on hospital claims; 20% on optional dental; 80% paid abroad without pre-approval","note":"The Cost Sharing clause lists co-payment only for the optional Dental Plan; no age or zone co-payment.","quote":"You shall bear 20% of Co-Payment for each and every claim payable under Section C Part B III- Dental Plan Benefits (Optional cover) ... If the treatment is subsequently proven to be medically necessary, we will process the claim basis on reasonable and customary expenses up to 80% of the coverage","sources":[{"clause":"13","heading":"Cost Sharing","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-13-10"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional deductible is chosen.","display":"None unless opted","note":"Voluntary annual aggregate deductible of USD 500 or USD 1,000 on international inpatient benefits only, for a premium discount (5% / 9% Imperial, 4% / 6% Imperial Plus).","quote":"The Deductible is Optional and the amount will apply as specified in the Policy Schedule, if opted. ... Deductible options | 0 / USD 500 / USD 1,000 (on annual aggregate basis) ... If opted, an aggregate Deductible as specified in the Policy Schedule will apply for expenses under Inpatient plan benefits outside India.","sources":[{"clause":"1","heading":"In-patient Hospitalization Treatment","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-4"},{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-a-3"},{"clause":"13","heading":"Cost Sharing","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-13-10"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Living donor medical costs: INR 500,000 (Domestic); USD 30,000 (Imperial) or USD 50,000 (Imperial Plus) abroad","Rehabilitation: INR 50,000 (Domestic); USD 750 (Imperial) or USD 2,300 (Imperial Plus) abroad"],"display":"Living donor INR 500,000; rehabilitation INR 50,000 (India)","note":"International figures are Imperial / Imperial Plus, read from the sales brochure table (the wording's international table is garbled but shows the same figures). No caps on named illnesses or procedures such as cataract or joint replacement are printed; modern treatment methods are paid up to the sum insured. Air ambulance limits are under ambulance.","quote":"Living donor medical costs | INR 500,000 ... Rehabilitation | INR 50,000 ... Living donor medical costs | USD 30,000 | USD 50,000 ... Rehabilitation | USD 750 | USD 2,300 ... Modern Treatment Methods and | Up to Sum Insured","sources":[{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":"Domestic cover. International cover: 45 days.","quote":"The Medical Expenses incurred during the 60 days immediately before You were Hospitalized ... The Medical Expenses incurred during the 45 days immediately before You were Hospitalized","sources":[{"clause":"2","heading":"Pre-Hospitalization","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-3"},{"clause":"2","heading":"Pre-Hospitalization","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":180},"display":"180 days","note":"Domestic cover. International cover: 90 days.","quote":"The Medical Expenses incurred during the 180 days immediately after You were discharged post Hospitalization ... The Medical Expenses incurred during the 90 days immediately after You were discharged post Hospitalization","sources":[{"clause":"3","heading":"Post-Hospitalization","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-3"},{"clause":"3","heading":"Post-Hospitalization","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-3-4"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"Day care procedures listed in Annexure I are covered up to the sum insured, in a hospital or day care centre but not in the outpatient department.","display":"Listed procedures (Annexure I), up to sum insured","note":"Same for the International cover, which needs pre-approval.","quote":"Day care procedures/ Surgeries taken as an Inpatient in a Hospital or Day Care Centre but not in the outpatient department. List of Day Care Procedures is as given in the Annexure I of Policy wordings. ... Day Care Procedures | Up to Sum Insured ... iv) Day Care Procedures (Section C, Part B, I-5).","sources":[{"clause":"5","heading":"Day Care Procedures","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-3"},{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":"5","heading":"Day Care Procedures","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-4"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":"Domiciliary Hospitalization is defined in the standard definitions, but no benefit section covers it.","quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"Covered in India up to the in-patient sum insured, for admission of at least 24 hours in a government AYUSH hospital or a government-recognised or accredited institute. Not covered abroad.","display":"Covered in India up to sum insured (24-hour admission); not abroad","note":"International specific exclusion 5 limits cover abroad to modern medicine (allopathy). The sales brochure adds homeopathy to the Imperial Plus out-patient alternate treatments abroad; the wording's list does not include it.","quote":"If You are Hospitalized for not less than 24 hrs, in an AYUSH Hospital which is a government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health ... Our maximum liability is up to In-patient Hospitalization Sum Insured. ... Treatment for any other system other than modern medicine (allopathy). ... Alternate treatment methods namely chiropractic treatment, osteopathy, Chinese herbal medicine, acupuncture and podiatry ... Chinese herbal medicine, homeopathy, acupuncture and podiatry","sources":[{"clause":"10","heading":"AYUSH Hospitalization Expenses","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-10-3"},{"clause":"5","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-8"},{"clause":"17(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-e-2"},{"clause":null,"heading":"3. Alternate/Complementary Treatment Expenses","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-3-alternate-complementary-treatment-expenses"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered up to the sum insured for the Annexure III list, which includes oral chemotherapy, immunotherapy, robotic surgeries and stem cell therapy for bone marrow transplant.","display":"Covered up to sum insured (Annexure III list)","note":"Also: uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, intra vitreal injections, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporisation, IONM. Same for the International cover.","quote":"We will pay the Customary and ... Reasonable expenses for the Modern Treatment Methods as mentioned in Annexure III subject to the Sum Insured ... D. Oral chemotherapy E. Immunotherapy- Monoclonal Antibody to be given as injection ... G. Robotic surgeries ... L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered","sources":[{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":"Annexure II","heading":"List of Non-Medical Items","page":46,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-annexure-ii"},{"clause":"Annexure II(I)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-annexure-ii-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. The donor's costs of harvesting the organ are paid, up to INR 500,000 in India and USD 30,000 (Imperial) or USD 50,000 (Imperial Plus) abroad, if the insured's transplant claim is accepted.","display":"Yes, up to INR 500,000 in India; USD 30,000 or USD 50,000 abroad","note":"International amounts read from the sales brochure table (the wording's international table is garbled).","quote":"We will pay expenses up to the limits specified in the Policy Schedule, towards organ donor's treatment for harvesting of the donated organ ... Living donor medical costs | INR 500,000 ... Living donor medical costs | USD 30,000 | USD 50,000","sources":[{"clause":"6","heading":"Living Donor Medical Costs","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-6-3"},{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance up to the sum insured (India and abroad). Air ambulance in India INR 500,000 to INR 750,000 by sum insured; abroad USD 7,500 on Imperial, and air ambulance with medical evacuation up to the in-patient sum insured on Imperial Plus, cashless only.","display":"Road up to sum insured; air ambulance INR 500,000 to 750,000 in India","note":"In India, air ambulance is INR 500,000 / 675,000 / 750,000 for the three Imperial sums insured and INR 750,000 on Imperial Plus. Air ambulance and international plan amounts from the sales brochure table; the wording tables are garbled. Return transport home by air ambulance is excluded.","quote":"Local (Road) Ambulance | Up to Sum Insured ... Air Ambulance | INR 500,000 | INR 675,000 | INR 750,000 | INR 750,000 | INR 750,000 | INR 750,000 ... Air Ambulance* | USD 7,500 | NA | NA | NA ... Air Ambulance + Medical Evacuation* | NA | Up to In-pa tient Sum Insured | Up to In-pa tient Sum Insured | Up to In-pa tient Sum Insured ... This cover is on cashless basis only. ... Air Ambulance | INR 500,000 | INR 675,000 | INR 750,000 | INR 750,000 | INR 750,000 | INR 750,000","sources":[{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"},{"clause":null,"heading":"Domestic Cover","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-domestic-cover"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"},{"clause":"7","heading":"Air Ambulance (Applicable to Imperial Plan only)","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-4"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"The documents do not describe any restoration or refill of the sum insured.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"For each claim-free renewal the Domestic limit grows by 20% of the Domestic base sum insured, up to 100%; after a claim the increase is reduced by 20%.","display":"20% a claim-free year, up to 100% (Domestic cover)","note":"Domestic cover only; no bonus on the International cover.","quote":"If You renew Your Global Health Care Policy with Us without any break and there has been no claim in the preceding year, We will increase the Limit of Indemnity by 20% of Domestic Cover's base Sum Insured per annum ... The maximum cumulative increase in the Limit of Indemnity will be limited to 100% of Domestic Cover's base Sum Insured. ... If a claim is made in any year where a cumulative increase has been applied, then the increased Limit of Indemnity in the Policy Period of the subsequent Global Health Care Policy shall be reduced by 20%","sources":[{"clause":"14","heading":"Cumulative Bonus (For Domestic Cover only)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-10"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":"Non-medical items in Annexure II are excluded (that list names items such as diapers and sanitary pads, not gloves or PPE). The AYUSH benefit lists medical consumables; no general statement for other claims.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered: childbirth, miscarriage (unless due to accident) and lawful termination of pregnancy are excluded, except ectopic pregnancy.","display":"Not covered","note":"Excluded under both Domestic and International cover; abroad routine maternity and delivery are also listed as excluded.","quote":"Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy. ... Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period. ... Routine maternity, Routine Delivery and newborn care","sources":[{"clause":"18","heading":"Maternity (Code -Excl18)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-18-3"},{"clause":"18","heading":"Maternity (Code-Excl18)","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-18-5"},{"clause":"30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-30-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"No: a child can be insured only from 3 months of age, and newborn care is excluded under the International cover.","display":"No, children are covered from 3 months","note":null,"quote":"an Insured or his Family Members has attained the age of 3 months ... Routine maternity, Routine Delivery and newborn care","sources":[{"clause":"31","heading":"Named Insured/ Insured/Insured Person: Insured","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-31-2"},{"clause":"30","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-30-3"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"In-patient treatment of mental illness (Annexure IV) is covered up to the sum insured in a recognised psychiatric unit, when diagnosed and treated by a psychiatrist, clinical psychologist or licensed psychotherapist. Out-patient treatment and alcohol or drug related treatment are excluded.","display":"In-patient covered up to sum insured","note":"Same for the International cover.","quote":"We will pay the Customary and Reasonable expenses for In-patient treatment of Mental Illness (as specified under Annexure IV), provided this treatment is availed in a recognized psychiatric unit of a Hospital, up to Sum Insured as specified in the Policy Schedule. ... Mental Illness treatment is only covered where patient is diagnosed and treated by a psychiatrist, clinical psychologist or licensed psychotherapist. ... Any expenses for Mental Illness Treatment related to Alcoholism, drug or substance abuse ... Out-patient Treatment for Mental Illness. ... Out-patient Treatment for Mental Illness. This cover is subject to the Sum Insured","sources":[{"clause":"12","heading":"Mental Illness Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-12-3"},{"clause":"9","heading":"Mental Illness Treatment","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"After each renewal, one preventive health check-up a year, reimbursed up to INR 5,000; it does not reduce the sum insured.","display":"INR 5,000 a year, after each renewal","note":"Domestic cover benefit; not in the first policy year.","quote":"After each renewal of Global Health Care Policy with Us, You will be entitled for an Annual Preventive Health Check-up. ... Check-Up (only offered at | INR 5,000 ... Payment under this benefit will not reduce the base sum Insured","sources":[{"clause":"9","heading":"Annual Preventive Health Check-up","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-3"},{"clause":"14","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-14-3"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Only on the International cover of the Imperial Plus Plan: doctor and specialist fees, diagnostic tests and prescription drugs up to USD 1,000, 1,500 or 2,500 by sum insured, within an overall out-patient maximum of USD 1,600, 2,400 or 4,200 that also covers physiotherapy and alternate treatment (USD 300, 450 or 850 each). Out-patient dental is excluded. Out-patient treatment in India is excluded.","display":"Abroad only, Imperial Plus: USD 1,000 to 2,500 (overall out-patient maximum USD 1,600 to 4,200); not in India","note":"Plan amounts from the sales brochure table; the wording's table shows the same figures without labels. 30-day waiting period in the first year except accidents (physiotherapy 90 days). Out-patient dental treatment is not covered.","quote":"OUT-PATIENT BENEFITS FOR INTERNATIONAL COVER (Applicable to Imperial Plus Plan only) ... Maximum out-patient plan benefit for international treatments only | NA | USD 1,600 | USD 2,400 | USD 4,200 ... Out-patient Treatment (Medical Practi tioner fees Specialist fees Diagnostic tests Prescrip tion drugs) Note: Excluding out-patient Dental Treat ment | Cov ered up to USD 1,000 | Cov ered up to USD 1,500 | Cov ered up to USD 2,500 ... Physiotherapy Benefit | USD 300 | USD 450 | USD 850 ... Alternate/Complementary Treatment Expenses (Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry) | USD 300 | USD 450 | USD 850 ... Out-patient treatment Prescribed medical aids Preventive treatment ... USD 1,600 | USD 2,400 | USD 4,200\nUSD 1,000 | USD 1,500 | USD 2,500 ... 30 days waiting period would be applicable for all claims under out-patient except those arising out of Accidental Injury ... 90 days waiting period would be applicable for all claims under Physiotherapy Benefit ... Out-patient Dental Treatment expenses will not be covered.","sources":[{"clause":"17","heading":"Modern Treatment Methods and Advancement in Technologies: We will pay the Customary and","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-3"},{"clause":null,"heading":"International Cover","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-international-cover"},{"clause":"28","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-28-3"},{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-a-3"},{"clause":"17(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-e"},{"clause":"17(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-d-2"},{"clause":"17(f)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-17-f"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":"No Indian city or zone pricing or zone co-payment is printed. The premium tables in the sales brochure differ by cover type (Worldwide Excluding USA or Including USA), which is the choice of area of cover (see territory).","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes. In India cashless at network hospitals and, under 'Cashless Everywhere', at non-network hospitals that meet the IRDAI definition of hospital. Abroad, the insurer arranges direct payment with pre-approval where possible; air ambulance, evacuation and repatriation are cashless only.","display":"Yes, network and non-network hospitals in India; direct billing abroad where possible","note":"Domestic pre-authorisation answered within 1 hour.","quote":"Cashless treatment is available at Network Hospitals. ... We offer Cashless Everywhere, even in hospitals which are not part of our network subject to hospitals fulling IRDAI definition of Hospital facility. ... make direct payment of Your Hospital bill easier, where possible ... This cover is on cashless basis only.","sources":[{"clause":"1","heading":"Claims Procedure for Domestic Cover","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-11"},{"clause":"1(iv)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-iv"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"},{"clause":"7","heading":"Air Ambulance (Applicable to Imperial Plan only)","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-7-4"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"In India the insurer's in-house claims team, with no TPA. Abroad, assistance through the insurer's in-house team or overseas assistance partners.","display":"In-house team in India (no TPA); overseas assistance partners abroad","note":"International claims and pre-approvals go through a 24/7 international helpline (+353 1 630 1301) and an online claims portal named in the wording.","quote":"All Claims will be settled by In house claims settlement team of the Company and no TPA is engaged. However, the Company reserves to engage TPA at any time, at the sole discretion of the Company. ... We provide assistance through Our In-house Team or may seek assistance from overseas assistance partners. ... 24/7 International Helpline number +353 1 630 1301 ... Claim back Your eligible costs via Our MyHealth app or online portal","sources":[{"clause":"1","heading":"Claims Procedure for Domestic Cover","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-1-11"},{"clause":"9","heading":"Claim Assistance","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-9-11"},{"clause":"2","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-2-11"},{"clause":"5","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-5-11"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":false,"display":"No, individual sum insured","note":"Family members can be covered under one policy, each with their own sum insured; 5% family discount for 2 or more members.","quote":"Type of Policy: Individual ... This is an Individual Sum Insured policy ... 5% family discount shall be offered if 2 or more eligible Family Members are covered under a single Policy.","sources":[{"clause":"Section C","heading":"BENEFITS COVERED UNDER THE POLICY","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-section-c"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284#c-s1"},{"clause":"28","heading":"Discounts","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283#c-28-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Global Health Care Policy Wordings","pages":47,"fetched_at":"2026-10-16 08:29:38.740943+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Global-Health-Care_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/283"},{"kind":"brochure","label":"Global Health Care Brochure","pages":23,"fetched_at":"2026-10-16 08:29:38.740943+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Global-Health-Care/Global-Health-Care-Brochure-Final.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223/document/284"}],"versions":[{"uin":"BAJHLIP23020V012223","version":null,"approved_on":null},{"uin":"BAJHLIP23209V022223","version":null,"approved_on":null}],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Global Health Care (UIN BAJHLIP23209V022223), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/global-health-care-bajhlip23209v022223"}